Buy to Let Mortgage Specialists
Reduce your monthly costs and boost net rental income by speaking with our Buy to Let specialists about your portfolio We structure remortgages to unlock equity for reinvestmen increase cash-flow, and leverage each property for maximum capital growth. With transparent fees, rapid digital processing, and expert guidance at every step, you will also get 24/7 mortgage rate checks and portfolio monitoring directly on your phone.
Maximise Rental Yield
We will search 25,000+ rates
Lock in Lowest Rates
Compare 130+ Lenders
Leverage Your Capital
BTL Portfolio Specialists
Market Leading Buy-to-Let Mortgage Rates.
- Maximise your rental yield by securing a lower interest rate, reducing your monthly costs and boosting net returns.
- Leverage your property’s equity to reinvest in new property, whether that’s another buy to let, a HMOs conversion, or a refurb project.
- Release capital tax efficiently to diversify your portfolio or consolidate higher-rate debts whilst maintaining control of your assets.
- Benefit from specialist insight into portfolio remortgages, helping you structure borrowing across multiple properties to maximise cashflow.
Digital Speed. Human Trust.
- Best BTL Rates
- 24/7 Rate Monitoring
- Dedicated Portal
- 24/7 Mobile Access
Choosing the right Buy to Let Property Type totally depends on your investment strategy, target tenants, cash-flow needs and appetite for management complexity. Whether you are after low-maintenance flats, high-yield HMOs or premium short-term lets, our Buy to Let Remortgage team can advice on the best mortgage solutions for your needs and property type.
- Let to one household under a standard assured shorthold tenancy (AST).
- Simple management, broadly accepted by lenders, and strong tenant demand.
- Let by room to multiple tenants (e.g. young professionals or sharers).
- Higher yield potential per property.
- Subject to stricter licensing, safety and management rules.
- Purpose-built or converted houses/flats that are let to students on assured shorthold tenancies.
- Let by toom and naturally demand peaks during the academic year.
- Traditional holiday cottages, serviced apartments or Airbnb-style rentals.
- Can achieve higher nightly rates but are normally subject to inconsistent tenancy plus have marketing and cleaning costs.
- Entire building of flats or houses owned by a single landlord.
- Economies of scale in management and potential of selling individual units for capital gain.
- Entire building of flats or houses owned by a single landlord.
- Offer economies of scale in management and potential to sell individual units for capital gain.
- Ground-floor commercial premises with residential flats above, or former shops/offices converted into lets.
- Can offer attractive rates but may require specialist lending and higher refurbishment budgets.
- Properties let under long-standing regulated or protected tenancies with capped rents.
- Rare but still exist; lenders may view these as higher risk with lower income growth potential.
- Fully managed units with utilities, furnishings and communal facilities included.
- Appeals to professionals seeking convenience, often at premium rents and backed by operator agreements.
Access 25,000+ mortgage rates tailored to your rental portfolio
Partnered with 130+ leading lenders to unlock exclusive Buy to Let Remortgage deals
Where Digital Speed Meets Human Trust – get fast online quotes backed by expert advice
Transparent fees, clear guidance and specialist brokers who know the Buy to Let market inside out
Refinancing your rental property doesn’t have to be slow or confusing. At The Mortgage Broker, our Buy to Let Remortgage service gives you rapid access to the UK’s most competitive rates—many of which aren’t available on public comparison sites. Whether you’re looking to switch from an introductory rate, release equity for further investment, or secure a lower monthly payment, our digital platform and dedicated Buy to Let specialists make the process seamless. Simply provide a few details about your property and portfolio, and we’ll instantly compare 25,000+ products from 130+ lenders to find your perfect match.
Still have questions? We’ve got you covered:
What can I borrow on a Buy to Let Remortgage?
Loan size depends on rental income, property value, and your personal circumstances. Our calculators and advisors will guide you through potential borrowing thresholds.
Interest-Only vs. Repayment: which is right for me?
Many landlords prefer interest-only to maximise cash flow, but repayment deals can build equity over time. We’ll outline the long-term implications of each approach.
What fees and costs should I budget for?
Arrangement fees, valuation fees and legal costs vary by lender. We’ll provide a transparent breakdown before you commit, so there are no nasty surprises.
How quickly can I complete a remortgage?
Thanks to our streamlined digital process, we can often secure offers in days rather than weeks—truly where digital speed meets human trust.
Ready to explore your options? Click through now to speak with a Buy to Let specialist and discover your tailored remortgage solution.
Find Your Best Remortgage Deal
Use tools are speak to a specialist
Five Reasons to Use a Mortgage Broker
Sarah Mascot, The Mortgage Broker.
A mortgage broker finds the best possible rate for your exact circumstances.
Get Best Remortage Rates Today
We Search 130 Lenders Instantly
Get Started Today
Remortgaging – Made Simple.
A remortgage is when you take out a new mortgage to replace an existing one on your home or another property. If this is with a different lender, it is known as a remortgage, however, if you stay with the same lender but just change the mortgage terms you are on, this is called a Product Switch or a Product Transfer.
However, both are typically done to get a better rate, reduce monthly payments or release equity from the property.
Using a Remortgage Broker will help get the perfect solution!
A remortgage is often needed to simply get a lower rate, and to ensure you don’t pay more than you need to if your fixed mortgage term is ending. However, it is also an opportunity to take control of your finances and make your home, work harder for you, rather than you working hard to keep your home.
- Fixed Rates Ended or Ending within 6 Months?
- Access Cash for things like Home Improvements
- Pay of Debt and Consolidate Payments
- Bad Credit Affordability Options
- Reduce Monthly Payments
Remortgage Advice Across 130 Lenders
Digital Speed. Human Trust.
The Mortgage Broker are a long established, credible broker that can get exclusive access to market leading products. Don’t cut corners and let a broker instantly search the market, to ensure you have the best chance of mortgage success.
Request a call backLive Rate Mortgage Finder %
Welcome to our live mortgage rate finder. This is just an indicative guide to help you see the sorts of rates that are accessible through some of the lenders we work with at The Mortgage Broker. It is always better to speak to a Mortgage Broker, as we can quickly understand your circumstances and access over 23,000 mortgage products through our panel of nearly 100 Mortgage Lenders. Not all lenders enable a live feed to their products, so this is just illustrating a segment of the market.
Can You Remortgage if You Have Bad Credit?
Yes, the good news is that even with poor credit you may still be able to obtain a remortgage deal that suits you. Although a bad credit score presents a definite challenge, there do exist bad credit remortgage lenders who will be more understanding of your situation and will be willing to offer you a remortgage. However, you will need to meet their eligibility criteria and provide appropriate documentation. Here is what they may require:
- Proof of income
Showing that you have a regular income and that you can meet the repayments is an important first step in securing a bad credit remortgage. Providing the lender with payslips and bank statements can help reassure them that you are financially able to meet your financial obligations.
- A good LTV (loan-to-value ratio)
If the value of your property is higher than the outstanding balance on your current mortgage, the lender will view this favourably and this may help you to secure better terms on your remortgage.
- A higher deposit amount
Bad credit remortgage lenders will often require a larger deposit. This allows the lender to reduce their financial risk, so if you can save up and provide the lender with a larger deposit, this will definitely help with your application.
What Kinds of Bad Credit Affect a Remortgage Application?
There are several things that can cause a bad credit score, such as:
If you default on a credit card or bank loan this will show on your credit file and cause your credit score to be negatively affected.
County Court Judgments are a result of legal action against you for an unpaid debt and represent a serious negative mark on your credit file
An Individual Voluntary Arrangement is a formal agreement with a creditor to repay a debt and this will affect your credit score.
A Debt Management Plan is a more informal arrangement to repay a debt over time. Although not a legally binding agreement, it may affect your ability to obtain more credit.
Becoming bankrupt is a way to clear some or all of your debts but although it may offer financial relief it is not without consequences and it will show on your credit file making it difficult to get credit or a mortgage.
Don’t worry, this can sometimes happen!
We have helped many customers overcome a declined mortgage application. On occasion, it may actually be in your best interests to try a lender with a lower rate, even though a risk of being declined. Whatever the reason, we will advise you all the way through, and maintain our support until you get the result you need and we will always have your credit score and finances protected.
Nothing. All our initial advice and access to rates, is free. No matter how many times we speak.
We do charge a fee at The Mortgage Broker, if we go ahead and get your mortgage done for you after that. We do not shy away from our fee structure as we are specialists in what we do and we will save you money. We are already below average in our price, but we spend a lot of time on your case and circumstances, and we know the market inside out, which takes a lot of time and research.
Our service leaves no stone unturned, you get advice from start to finish and you will get a more cost-effective outcome. You also get access to 24/7 Mortgage monitoring, protection specialists and general insurance specialists, which are compulsory products by Mortgage Lenders.
No, is the simple answer. And you may lose out on a better rate that you can’t access yourself.
A broker fee may be applicable, but you will save in money in the long run by getting the right product and advice. Our fee also covers all specialist across protection and insurance. Home insurance is mandatory for a mortgage to complete.
6 months – typically.
You can get mortgage ready before searching for the right home or investment.
Yes. That’s why we are here.
We partner with over 130 lenders, which totals over 25,000 mortgage options. Our service includes specialists across all types of complexities and circumstances. And when it comes to bad credit – please don’t worry. 8.38 million people have missed a bad credit, defaults or debt management plans. Its very normal and we have an extremely empathetic team to help you.
Yes. It makes you a more serious buyer and makes you more competitive in landing the right home.
We only offer advice via real people, with hands on knowledge, who will advise you on your bespoke circumstances.
You get dedicated support from start to finish from a dedicated adviser and our admin support service.
Contact Us
Let us understand your goals and circumstances
Search Market-Beating Rates
We will find you the right solution for your financial position
Select Mortgage
Get an agreement in principle for the best rate possible
Why Use The Mortgage Broker?
Access instant advice, and search for the best mortgage rates today with Free, no obligation mortgage advice you can count on. Looking to purchase a property? Then get yourself mortgage ready and become an active buyer with a mortgage in principle. Whether you have found a house or not, The Mortgage Broker can act quickly and get you in the position you need to be to purchase that house you are looking for!
No matter what your financial circumstances or where you want to live, we can help.
We’re here to answer all your questions and to make your home-buying process as stress free as possible. Get started today and get that decision in principle. If you already have one, no problem – feel free to compare rates
- Instant Access
- Friendly Advice
- Get a Quote Today
- Lock in the Best Rate
0800 0320 316Remortgage Now with Award Winning Advice
Get instant access to 130 lenders and over 25,000 products.
Remortgage Today